Debt collection -- Attempts to collect debt not owed -- Complaint #4437061

Complaint Overview

Complaint ID: 4437061

Company: Consumer Adjustment Company Incorporated

Product: Debt collection

Sub-Product: Medical debt

Issue: Attempts to collect debt not owed

Sub-Issue: Debt was paid

State: Ohio

ZIP Code: 45211

Date Received: 2021-05-27T12:00:00-05:00

Date Sent to Company: 2021-06-16T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I was checking my credit report on experience on XX/XX/XXXX. I saw where consumer adjustment company XXXX XXXX XXXX XXXX. XXXX XXXX Missouri XXXX, phone number XXXX, had put a debt on my credit report for {$1800.00}. The debt was for a hospital bill with the XXXX XXXX XXXX XXXX. I contacted Consumer Adjustment company, and begin to ask questions about the debt. I was immediately hung up on, I called back consumer adjustment company would not provide any information to the contact person requesting payment for this debt. They refused to provide any itemize billing statement. Since they were uncooperative from refused to provide any information I terminated the call and contacted the XXXX XXXX XXXX XXXX. I spoke to XXXX with the XXXX XXXX XXXX XXXX billing department and he reported to me that they do not use consumer adjustment company to collect debts for their hospital, and my services on XX/XX/XXXX which was the same date that consumer adjustment company was collecting on was paid in full. I called back consumer Adjustment company about what XXXX XXXX XXXX had told me and again they refuse to cooperate and hung up on me again. On XX/XX/XXXX I talk to my insurance company XXXX XXXX XXXX XXXX XXXX XXXX and they check their records and stated there was never a billing statement sent to their company for any outstanding debts for the provided date of XX/XX/XXXX. XXXX contacted consumer adjustment company and they immediately hung up on XXXX agent. Again they call back advised Consumer adjustment company that the XXXX XXXX XXXX is stating that I was paid in full and they received no billing for a debt owed on XX/XX/XXXX. Consumer adjustment company advised me to email their complaint department at dispute my debt. And after our conversation they contacted two credit reporting agencies and added another debt for the same amount owed on my credit report. Those deaths have been dispute it as fraudulent since the XXXX XXXX XXXX XXXX is stating that I do not owe a debt to them and they do not use this company as their collections agency. XXXX XXXX XXXX XXXX is sending me a letter on their letterhead stating that I am paid in full. Consumer adjustment company has placed us fraudulent debt on my credit report and has lowered my credit scores their refusal to cooperate or to answer basic questions about the debt makes me very suspicious that this is a fraudulent debt and if they have no business to try to collect it or calls me damages on my credit report. Since they are located in Missouri I filed a complaint with the Missouri attorney generals office and will be contacting the Ohio Attorney Generals office where I live to file a complaint as well. The next step is called the police department in XXXX XXXX Missouri and file a theft report Because it has any reasonable person can see this is not a legitimate debt. I have three insurance companies including Medicare and generally speaking all hospitals are bills are paid in full. When I told consumer adjustment company about my insurance situation and that this bill could be handled through my insurance company they did not want to discuss it and immediately said without looking at their paperwork that it was out of network. This companies refused to send me anything in writing refuse to discuss this outrageous debt over the phone, and has caused me damage on my credit report. After speaking to the building department with the XXXX XXXX XXXX XXXX they are now conducting an investigation on their end to find out who this company is and why they are trying to collect a debt on their behalf thats not owed. As soon as I get the documentations say is coming to the US postal office then I can forward the letter from the XXXX XXXX XXXX XXXX stating I am paid in full.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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